Humana’s 2025 Medicare Advantage Plans Focus on Quality, Affordable Healthcare Tailored to the Needs of Consumers
Humana Inc. (NYSE: HUM) has announced its Medicare Advantage and Medicare Prescription Drug Plan offerings for 2025. The company is focusing on providing affordable, quality healthcare options tailored to meet varying needs of Medicare beneficiaries. Humana will offer a total of 793 individual Medicare Advantage plans nationwide, including:
- Full Access PPO plans with in and out-of-network flexibility
- $0 LPPO MAPD Giveback plans in 35 states
- Veteran-focused plans co-created with USAA
- Dual-eligible Special Needs Plans (D-SNP)
- Chronic Condition Special Needs Plans (C-SNP)
- Institutional Special Needs Plans (I-SNP)
Humana's 2025 plans will include enhanced benefits such as new glasses every year and comprehensive dental coverage in most areas. The company is also expanding its Medicare Advantage offerings to new counties and states.
Humana Inc. (NYSE: HUM) ha annunciato le sue offerte di Medicare Advantage e dei piani di prescrizione di Medicare per il 2025. L'azienda si sta concentrando sull'offrire opzioni sanitarie di qualità accessibili adattate a soddisfare le diverse esigenze dei beneficiari di Medicare. Humana offrirà un totale di 793 piani individuali di Medicare Advantage a livello nazionale, inclusi:
- Piani Full Access PPO con flessibilità nella rete e fuori rete
- Piani LPPO MAPD Giveback a $0 in 35 stati
- Piani focalizzati sui veterani co-creati con USAA
- Piani Speciali per Bisogni Doppio Idonei (D-SNP)
- Piani Speciali per Condizioni Croniche (C-SNP)
- Piani Speciali per Istituzioni (I-SNP)
I piani di Humana per il 2025 includeranno benefici migliorati come nuovi occhiali ogni anno e copertura dentale completa nella maggior parte delle aree. L'azienda sta anche espandendo le sue offerte di Medicare Advantage a nuovi contea e stati.
Humana Inc. (NYSE: HUM) ha anunciado sus ofertas de Medicare Advantage y Plan de Medicamentos Recetados de Medicare para 2025. La empresa se enfoca en proporcionar opciones de atención médica asequibles y de calidad adaptadas a las diversas necesidades de los beneficiarios de Medicare. Humana ofrecerá un total de 793 planes individuales de Medicare Advantage en todo el país, incluidos:
- Planes Full Access PPO con flexibilidad dentro y fuera de la red
- Planes LPPO MAPD Giveback a $0 en 35 estados
- Planes enfocados en veteranos co-creados con USAA
- Planes de Necesidades Especiales para Doble Elegibilidad (D-SNP)
- Planes de Necesidades Especiales para Condiciones Crónicas (C-SNP)
- Planes de Necesidades Especiales Institucionales (I-SNP)
Los planes de Humana para 2025 incluirán beneficios mejorados, como nuevos anteojos cada año y cobertura dental integral en la mayoría de las áreas. La empresa también está ampliando sus ofertas de Medicare Advantage a nuevos condados y estados.
휴마나 주식회사 (NYSE: HUM)는 2025년 메디케어 어드밴티지 및 메디케어 처방약 계획을 발표했습니다. 이 회사는 메디케어 수혜자의 다양한 요구를 충족하는 저렴하고 품질 높은 의료 옵션을 제공하는 데 주력하고 있습니다. 휴마나는 전국적으로 793개의 개별 메디케어 어드밴티지 계획을 제공할 예정입니다. 여기에는 다음과 같은 계획이 포함됩니다:
- 네트워크 및 비네트워크 유연성을 갖춘 전체 접근 PPO 계획
- 35개 주에서 $0 LPPO MAPD 리턴 계획
- USAA와 공동 개발한 재향군인 중심의 계획
- 이중 자격 특별 요구 계획 (D-SNP)
- 만성 질환 특별 요구 계획 (C-SNP)
- 기관 특별 요구 계획 (I-SNP)
휴마나의 2025년 계획에는 매년 새 안경 제공 및 대부분의 지역에서 종합 치과 보험과 같은 향상된 혜택이 포함됩니다. 이 회사는 또한 새로운 카운티와 주로 메디케어 어드밴티지 제품군을 확장하고 있습니다.
Humana Inc. (NYSE: HUM) a annoncé ses offres de Medicare Advantage et de plan de médicaments sur ordonnance de Medicare pour 2025. L'entreprise se concentre sur la fourniture d'options de soins de santé abordables et de qualité adaptées aux divers besoins des bénéficiaires de Medicare. Humana proposera un total de 793 plans individuels de Medicare Advantage à l'échelle nationale, notamment :
- Plans PPO d'accès complet avec flexibilité au sein et en dehors du réseau
- Plans LPPO MAPD Giveback à 0 $ dans 35 États
- Plans axés sur les vétérans co-créés avec USAA
- Plans spéciaux pour les besoins (D-SNP) pour les personnes éligibles à double titre
- Plans spéciaux pour les besoins liés aux maladies chroniques (C-SNP)
- Plans spéciaux pour les institutions (I-SNP)
Les plans de Humana pour 2025 incluront des avantages améliorés tels que de nouvelles lunettes chaque année et une couverture dentaire complète dans la plupart des régions. L'entreprise étend également ses offres de Medicare Advantage à de nouveaux districts et États.
Humana Inc. (NYSE: HUM) hat seine Angebote für Medicare Advantage und Medicare-Versicherungsmittel für 2025 angekündigt. Das Unternehmen konzentriert sich darauf, erschwingliche, qualitativ hochwertige Gesundheitsoptionen anzubieten, die auf die unterschiedlichen Bedürfnisse der Medicare-Begünstigten zugeschnitten sind. Humana wird landesweit insgesamt 793 individuelle Medicare Advantage-Pläne anbieten, darunter:
- Vollzugriff PPO-Pläne mit Flexibilität innerhalb und außerhalb des Netzwerks
- $0 LPPO MAPD Rückzahlungspläne in 35 Bundesstaaten
- Veteranenorientierte Pläne, die mit USAA co-kreiert wurden
- Spezielle Bedürfnisse-Pläne für doppelt berechtigte (D-SNP)
- Sonderbedarfspläne für chronische Erkrankungen (C-SNP)
- Institutionelle Sonderbedarfspläne (I-SNP)
Die Pläne von Humana für 2025 werden verbesserte Leistungen wie jedes Jahr neue Brillen und umfassenden Zahnschutz in den meisten Gebieten beinhalten. Das Unternehmen erweitert auch seine Medicare Advantage-Angebote auf neue Landkreise und Bundesstaaten.
- Expansion of Medicare Advantage offerings to 48 states, plus Washington, D.C., and Puerto Rico, covering 89% of U.S. counties
- Introduction of $2,000 cap on out-of-pocket drug costs for all prescription drug plans
- Elimination of coverage gap (donut hole) phase in prescription drug plans
- Expansion of Full Access PPO plans to 20 states
- Addition of new benefits like annual glasses coverage and comprehensive dental in most areas
- None.
Insights
Humana's 2025 Medicare Advantage plans reflect a strategic focus on personalization and affordability. The expansion to 793 individual plans across 48 states demonstrates a commitment to market penetration and diverse consumer needs. Key innovations include:
- Full Access PPO plans offering in-network rates for out-of-network providers
- $0 premium plans with Part B premium rebates
- Specialized plans for veterans and dual-eligible individuals
- Enhanced benefits like annual eyewear coverage and comprehensive dental
The $2,000 out-of-pocket drug cost cap and elimination of the coverage gap align with Inflation Reduction Act provisions, potentially improving medication adherence. Humana's market share growth to 5.6 million Medicare Advantage members indicates strong competitive positioning. However, the impact on profitability remains to be seen, as enhanced benefits may pressure margins.
Humana's strategic expansion of Medicare Advantage offerings could drive significant revenue growth. With a market cap of $38.14 billion, the company is well-positioned to capitalize on the growing Medicare market. Key financial implications include:
- Potential for increased market share and revenue from expanded plan offerings
- Possible margin pressure from enhanced benefits and $0 premium plans
- Long-term cost savings from improved care coordination and preventive services
- Competitive advantage in attracting price-sensitive consumers with Part B premium rebates
The focus on Special Needs Plans (SNPs) targets high-cost, high-need populations, potentially leading to higher per-member revenues. However, investors should monitor medical loss ratios closely, as expanded benefits may impact profitability in the short term. The company's ability to manage costs while growing membership will be important for maintaining financial health.
Humana plans include benefits members say they value most and offer options for a variety of budgets and lifestyles
Humana’s Medicare Advantage plans are tailored to meet the varying needs of Medicare beneficiaries, providing them with affordable options during the upcoming Medicare Advantage Annual Election Period (AEP) Oct. 15-Dec. 7. Humana has a total of 793 individual Medicare Advantage plans throughout the country for 2025, offering people the ability to choose a plan that fits their budget and lifestyle. (Graphic: Business Wire)
Humana’s plans are tailored to meet the varying needs of Medicare beneficiaries, providing them with affordable options during the upcoming Medicare Advantage Annual Election Period (AEP) Oct. 15-Dec. 7. During this time, Medicare beneficiaries can review changes to their current plan and determine if the plan still meets their needs for the next year.
“Our members want benefits that work for their lives, which is why we don’t view Medicare Advantage as a one-size-fits-all option,” said George Renaudin, Humana’s President of Medicare and Medicaid. “Our members have told us what benefits really matter to them. We listened and created affordable health plans that offer high-quality care and align with what they want and need.”
Based on member feedback, Humana is including coverage for new glasses every year in every plan with a vision benefit. Humana also is offering plans with comprehensive dental coverage that includes deep cleanings, fillings and crowns in nearly every county it serves.
Humana has a total of 793 individual Medicare Advantage plans throughout the country for 2025, offering people the ability to choose a plan that fits their budget and lifestyle. Highlights include:
- Flexibility to choose a doctor that is in or out of network – at the same cost. Humana Full Access PPO plans offer the freedom to see any doctor that accepts Medicare – at the same copay, no matter if the doctor is in or out of network, and without a referral. These plans may include dental, vision and hearing coverage. Because of the popularity of the plans, Humana is expanding access with availability in 20 states in 2025.
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Money back in the member’s Social Security check every month. The
$0
-
Medicare Advantage plans designed with veterans in mind. The Humana USAA Honor Giveback plans, available to anyone eligible for Medicare, were co-created by Humana’s experts in Medicare Advantage and USAA’s experts in veteran needs. They offer a
$0
- Plans designed for individuals eligible for both Medicare and Medicaid. Humana offers Dual-eligible Special Needs Plans (D-SNP) to simplify healthcare for people who are eligible for Medicare and Medicaid. These plans include dental benefits, care manager support and prescription drug coverage. Humana’s D-SNPs may also include vision or hearing benefits and a monthly Healthy Options Allowance to help pay for essentials, like eligible groceries, rent, utility bills and more. This allowance includes rollover, so any unused balance carries over each month.
- Plans specifically for people who need extra support due to a chronic or disabling condition. Humana’s Chronic Condition Special Needs Plans (C-SNP) are designed for individuals who have a qualifying condition, including diabetes, chronic heart failure, cardiovascular disorders and COPD. All Humana C-SNPs include hearing, vision and prescription drug coverage as well as care manager support.
- Plans for Medicare beneficiaries living in long-term care facilities. Humana’s Institutional Special Needs Plans (I-SNP) serve members who reside in skilled nursing facilities. In partnership with Longevity Health, Humana’s I-SNPs are available in 13 states and include dental, vision and hearing benefits, transportation to and from eligible medical appointments, care manager support and more. New in 2025, these plans also include music therapy sessions designed by a certified music therapist for eligible members with chronic conditions to increase engagement and reduce anxiety.
All plans that provide coverage for prescription drugs, whether it’s part of a Medicare Advantage Prescription Drug plan or a stand-alone Part D Prescription Drug Plan, will see some benefit enhancements in 2025 under the Inflation Reduction Act. Members with Part D coverage will now have a
Humana’s stand-alone Part D Prescription Drug Plans are designed for individuals who enroll in Original Medicare and need medications covered. Updates to Humana Prescription Drug Plan benefits for 2025 include:
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Humana Value Rx. Designed for consumers who prioritize low generic cost shares along with robust coverage at an affordable price. It includes:
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$0 -
$0 - Elimination of the coverage gap (donut hole)
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$2,000
-
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Humana Premier Rx. Designed for consumers seeking broad drug coverage and peace of mind. It includes:
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$0 -
$0 -
$0 - Elimination of the coverage gap (donut hole)
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$2,000
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In 2025, Humana will have Medicare Advantage plan offerings in 48 states, plus
In total, Humana is expanding its Medicare HMO offerings into 12 new counties and its Medicare Advantage LPPO plans in 17 new counties. The following plans will be available in new states for the first time:
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Humana USAA Giveback Honor plans will now be available in
Washington, D.C. -
D-SNPs will be offered
North Dakota . -
C-SNPs have expanded to
Arizona ,Minnesota andNew Mexico . -
I-SNP expansions include
Iowa ,Kentucky ,Louisiana ,New Mexico ,Tennessee ,Washington andWest Virginia .
All Humana Medicare Advantage and Prescription Drug Plan members have the option to use CenterWell Pharmacy, a home delivery pharmacy that helps customers manage their prescription and over-the-counter medications with convenient, safe and on-time deliveries by mail to their front doorsteps or locations of their choice.
Humana has served Medicare beneficiaries for decades, with more than 8.5 million Medicare members as of June 30, 2024. More than 5.6 million of those members are enrolled in a Medicare Advantage plan.
For More Information. Humana offers in-person, online and telephone enrollment options. All enrollment options will connect Medicare beneficiaries with a licensed sales agent. For information about Humana’s Medicare plan options available in your area, visit Humana.com/Medicare or call toll-free 1-800-706-1368 (TTY: 711). Licensed sales agents are available 8 a.m. to 8 p.m. local time, seven days a week. Spanish language resources are available here.
About Humana
Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers, and our company. Through our Humana insurance services, and our CenterWell health care services, we strive to make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.
Additional Information
Humana is a Medicare Advantage HMO, PPO, and PFFS organization and a stand-alone PDP prescription drug plan with a Medicare contract. Humana is also a Coordinated Care HMO SNP, PPO SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal. Other providers are available in the Humana network. Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply. Members who do not receive Extra Help are not eligible. Extra Help requirements do not apply to Puerto Rico DSNPs. The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.
The Humana USAA Honor Giveback plans are available to anyone eligible for Medicare and veterans should consider all of their health plan options. According to monthly enrollment by plan data from CMS accessed on 7/16/24, Humana leads the industry with
The Humana Premier RX Plan (PDP) and the Humana Value RX Plan (PDP) Prescription Drug Plan pharmacy networks include limited lower-cost, preferred pharmacies in urban areas of AR, CT, DE, IA, IN, KY, MA, MI, MN, MO, ND, NJ, NY, OH, RI, SD, TN, WI, WV; suburban areas of AZ, CT, DE, HI, IN, MA, MI, MN, MT, ND, NJ, NY, OH, PA, PR, RI, WI, WV; and rural areas of AK, IA, MN, MT, ND, NE, SD, VT, WY. There are an extremely limited number of preferred cost share pharmacies in urban areas in the following states: DE, MI, MN, ND; suburban areas of MT and ND; and rural areas of ND. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call Customer Care at 1-800-281-6918 (TTY: 711) or consult the online pharmacy directory at Humana.com.
Humana received the highest CX Index™ score among health insurers in Forrester’s proprietary 2024 Customer Experience Benchmark Survey. The proprietary survey results are based on consumers’ opinions of their experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.
View source version on businesswire.com: https://www.businesswire.com/news/home/20241001415731/en/
Kelli LeGaspi
Humana Corporate Communications
Klegaspi1@humana.com
Source: Humana Inc.
FAQ
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